ZERO REFUND, NO CANCELLATION & PAYMENT DISPUTE POLICY
 

All payments made to Ascend Christian University and Ascend Continuing Education are final, non-refundable, and non-transferable, except where a refund or other remedy is specifically required by applicable law.

By enrolling, registering, submitting payment, or authorizing any payment to Ascend Christian University or Ascend Continuing Education, the student, applicant, purchaser, or authorized payer acknowledges and agrees to the following terms:

ALL SALES ARE FINAL

Once payment has been submitted, processed, or authorized, no voluntary refunds will be issued under any circumstance.

This policy applies to, but is not limited to:

NO REFUNDS FOR NON-PARTICIPATION

A refund will not be provided because a student:

Students are responsible for reviewing all program descriptions, requirements, policies, pricing, and disclosures before submitting payment.

DIGITAL ACCESS & EDUCATIONAL MATERIALS

Because Ascend may begin administrative processing, establish student records, provide educational materials, create student accounts, grant platform access, reserve program placement, or otherwise begin providing services shortly after payment, enrollment becomes non-refundable once payment is submitted.

A student's failure to access or use the materials or services provided does not create a right to a refund.

NO CANCELLATION AFTER PAYMENT

Submitting payment constitutes the student's confirmation of enrollment and acceptance of this policy.

A request to cancel enrollment after payment has been processed does not create a refund obligation.

PAYMENT PLANS

Students enrolled under a payment plan remain responsible for all amounts they have validly agreed to pay under the applicable enrollment or payment agreement.

Payments already processed are non-refundable.

Failure to complete a payment plan does not create a right to recover amounts previously paid.

Any consequences for an unpaid balance will be handled according to the student's written agreement and applicable law.

NO UNAUTHORIZED PAYMENT REVERSALS

Students and authorized payers agree that a bank dispute, payment reversal, or chargeback should not be used as a substitute for requesting clarification or addressing a legitimate billing concern directly with Ascend.

If a chargeback, payment dispute, or payment reversal is submitted for a transaction that Ascend believes was validly authorized and properly provided, Ascend may respond to the bank, payment processor, or card network with supporting documentation, including:

Ascend reserves the right to dispute any unsupported, inaccurate, or allegedly fraudulent chargeback through the appropriate payment processor or financial institution.

FRAUDULENT OR FALSE PAYMENT DISPUTES

Submitting knowingly false information in connection with a chargeback, payment dispute, payment reversal, or fraud claim may violate applicable laws, financial institution policies, or card-network rules.

Ascend reserves the right to preserve and provide relevant transaction records when responding to a legitimate inquiry from a payment processor, bank, card network, governmental authority, or other legally authorized party.

OUTSTANDING BALANCES

If a valid balance remains due under a student's written agreement, Ascend may pursue collection of that balance through lawful means permitted under the agreement and applicable law.

No unlawful penalty, fee, or collection action will be imposed solely because a consumer exercises a legal right to dispute a transaction.

NON-TRANSFERABLE PAYMENTS

Payments may not be transferred to:

unless Ascend provides written authorization.

PROGRAM RESPONSIBILITY

Enrollment in a program does not guarantee:

Students are responsible for determining whether a program meets their personal, professional, employment, licensing, regulatory, or educational goals before enrolling.

ACKNOWLEDGMENT OF POLICY

By submitting payment, the student or authorized payer confirms that they:

ZERO REFUNDS. ALL SALES FINAL.

NO VOLUNTARY REFUNDS WILL BE ISSUED AFTER PAYMENT IS SUBMITTED, EXCEPT WHERE A REFUND OR OTHER REMEDY IS REQUIRED BY APPLICABLE LAW.

• • Tuition

  • Enrollment fees

  • Registration fees

  • Processing fees

  • Application fees

  • Continuing Education program fees

  • Certificate program fees

  • Course fees

  • Administrative fees

  • Technology or platform fees

  • Educational materials

  • Digital materials

  • Student services

  • Payment-plan payments

  • Deposits

  • Down payments

  • Installment payments

  • Late fees

  • Graduation-related fees

  • Certificate-related fees

  • Any other payment made to Ascend Christian University or Ascend Continuing Education

  • Changes their mind

  • Decides not to begin the program

  • Withdraws from the program

  • Stops participating

  • Does not log into the student portal

  • Does not complete coursework

  • Does not complete assignments

  • Does not complete examinations

  • Does not finish the program

  • Fails a course, assignment, assessment, or examination

  • Does not meet completion requirements

  • Misses deadlines

  • Experiences scheduling conflicts

  • Becomes too busy to participate

  • Experiences employment changes

  • Experiences financial hardship

  • Relocates

  • Experiences personal or family circumstances

  • No longer needs the program

  • Selects the wrong program

  • Changes career goals

  • Changes educational goals

  • Does not use services or materials made available

  • Fails to read program information before purchasing

  • Fails to communicate with Ascend

  • Is dissatisfied because of expectations that were not represented or guaranteed by Ascend

  • Enrollment records

  • Signed agreements

  • Electronic acknowledgments

  • IP or login records where lawfully available

  • Payment authorization records

  • Student communications

  • Program access records

  • Course-access records

  • Email correspondence

  • Policy acknowledgments

  • Digital delivery records

  • Copies of invoices or receipts

  • Documentation showing services or access were provided

  • Another student

  • Another applicant

  • Another program

  • Another course

  • Another enrollment period

  • Another academic term

  • Another organization

  • Another service

  • Employment

  • Promotion

  • Salary increase

  • Business income

  • Professional licensure

  • Government approval

  • Acceptance by an employer

  • Acceptance by another educational institution

  • Certification by a third-party organization

  • Eligibility for a regulated profession

  1. Reviewed the program information before purchasing.

  2. Understand that all voluntary payments are final.

  3. Understand that Ascend maintains a Zero Refund Policy.

  4. Understand that failure to participate or complete a program does not create a right to a refund.

  5. Understand that payments are generally non-transferable.

  6. Agree to contact Ascend regarding legitimate billing questions before seeking a payment reversal when reasonably possible.

  7. Understand that Ascend may contest an unsupported chargeback with documentation demonstrating authorization, enrollment, access, or delivery of services.

  8. Understand that this policy does not waive any consumer right that cannot legally be waived.

• complete coursework, does not access the online learning platform, changes personal or professional plans, or is unable to complete the program.

• Failure to participate, log in, complete assignments, meet program requirements, or communicate with Ascend does not qualify the student for a refund.

• Enrollment access, educational materials, administrative processing, and program placement may begin immediately following payment; therefore, students are responsible for reviewing all program information before submitting payment.

• Payments may not be transferred to another person, program, course, or enrollment period unless Ascend Christian University provides written authorization.

By completing enrollment and submitting payment, the student confirms that they have reviewed, understood, and voluntarily accepted this Zero Refund Policy.

ALL SALES ARE FINAL. NO REFUNDS. NO EXCEPTIONS, EXCEPT WHERE REQUIRED BY APPLICABLE LAW.